Every dollar amount and date on this page is quoted from the official settlement document.
Xactus / Credit Plus $2.4M FCRA Credit Report Settlement
Court case: Cinner v. Xactus, LLC, Case No. 2:23-cv-04531-JMY
This is for people whose mortgage-related credit report, prepared and sold by Credit Plus, showed a monthly payment on a charged-off account that two of the three major credit bureaus reported with a zero balance. Eligible class members can file a short online claim for a cash payment from the settlement fund.
Official eligibility wording"For the period beginning on November 16, 2021 and continuing through the date of the Court's Preliminary Approval Order, all natural persons with an address in the United States and its Territories about whom Credit Plus prepared and sold a Merged Infile Credit Report to a third party where the merged component of the report displayed a charged off account in R9 status with a non-$0 balance and non-$0 calculated monthly payment amount when two of the three consumer reporting agencies both reported the same account to Credit Plus with a $0 balance.". Checked against the official settlement source by SettleSignal on August 15, 2026.
Key facts
- Who may qualify You may be covered if, starting November 16, 2021 through the date of the Court's Preliminary Approval Order, you had a US or US Territory address and Credit Plus prepared and sold a Merged Infile Credit Report about you to a third party that showed a charged-off account in R9 status with a non-$0 balance and a non-$0 calculated monthly payment, while two of the three consumer reporting agencies reported that same account to Credit Plus with a $0 balance. If you got a mailed Notice, the records already identify you as a class member.
- Estimated payoutDefendants have agreed to pay Two Million Four Hundred Thousand Dollars ($2,400,000) for the creation of a Settlement Fund. "The amount of the payments will depend on the number of claims submitted, but it is expected to be approximately $500. This estimate is based upon the typical claims rates in similar cases – the actual payment amount will depend on the actual claims rate in this case and may be lower or higher." Class Members "can choose to receive payment electronically through the website, or a check will be mailed to the address listed on the Claim Form."
- Claim deadlineSeptember 29, 2026 (closed)
- Proof requiredNo
- What you needFile the Claim Form on the official settlement website by the deadline, logging in with the Claim Number and PIN Number printed on your mailed Notice. You must complete all parts of the form and sign under oath. No receipts or other documents are requested. If you believe you qualify but never got a Notice with a Claim Number, the site asks you to contact the administrator.
- CourtUnited States District Court for the Eastern District of Pennsylvania
Important dates
How hard is this claim to file?
What the form asks
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Watch out for
- The claim concerns accuracy of the report sold to lenders, not the accounts themselves.
We prepare — you file on the official site yourself. This is not legal advice and is not an eligibility decision; the administrator and court decide.
Verify it yourself
How we verified this record
The key facts on this page were taken from the official settlement source, administered by Settlement Administrator, and last checked on August 15, 2026. We re-verify each field individually on a weekly pass.
1 official source linked to this record.
Where to act
Status history
- Claim deadline passed.
- Settlement published after verification.
